Pet owners should look for quality insurance cover and not the cheapest says Hastings Direct

Pet owners should look for quality insurance cover and not the cheapest says Hastings Direct

Published: 4/2/2012

A spokesperson from Hastings Direct has been talking about the importance of buying a quality pet insurance policy that focuses on the level of cover provided for injury and illness, and not the cheapest priced deal.

Pet owners should try and buy the very best cover they can afford for their pet. Not all pet insurance policies are the same and they do offer vet treatment cover per incident at a capped fee or a lifetime policy that offers treatment for the rest of the pets life. Life time pet insurance is more expensive but provides better level of cover.

It must be stated that regular health checks for your pet is not included in most pet insurance policies.

Without insurance for your pet you run the risk of expensive medical bills if your pet becomes injured or ill and it needs medical treatment. There is no NHS for dogs and cats so consider getting an insurance policy to protect you financially if the worst should happen.

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The common idea that pet insurance is needed more for when an animal gets older is a perspective Churchill Insurance would like to change.
The head of Churchill Insurance pet division has suggested that the need for protection is something pets of all ages can benefit from. We never know when something is going to happen that may need vet care so it is better to have the peace of mind that pet insurance provides.
Financially he felt it would probably work out cheaper too since most pet insurance providers will only offer cover for animals under the age of 8, for dogs, and 10 for cats. Whether it is with Churchill Insurance or a different company the important thing is to get that insurance in place.

Sainsburys Bank has conducted a study into the cost of pet ownership to tie in with the pet insurance they offer. Findings show that owning a dog can take up around GBP9,000.
The figure quoted is the lifetime cost of ownership which includes the initial purchase of the dog as well as food, accessories vet bills and pet insurance. Sainsburys Bank also looked at the cost of owning a cat, which came in slightly lower at just over GBP7,000.
The survey also showed that pet insurance can actually reduce the overall cost of keeping a pet, since the survey included those without it who had to pay all vet bills themselves. Sainsburys Bank want all pet owners to consider the cost aspect of keeping an animal before going ahead to ensure both pet and owner have a long and pleasant relationship.

Having looked at the situation for pet owners in the UK Sainsburys Bank has found that over a million owners do not have any insurance cover in place for their pets.
The answers provided by respondents to the Sainsburys Bank study shows that around half of pet owners do not think they need pet insurance. Of these most thought it was not necessary no matter what whilst a smaller percentage said they felt it unnecessary because their pet was in good health.
As a Sainsburys Bank spokesman explained, cats and dogs get ill just like people do, but there is no NHS for pets, hence the need for pet insurance.